Whether you are struggling to obtain benefits for a legitimate claim, facing a denial of benefits, or experiencing unfair practices from your insurer, our experienced team of Fresno insurance lawyers is here to provide you with dedicated legal representation and fight for your rights.
At Kantor & Kantor, we are more than just lawyers—we are people helping people. We know the challenges firsthand because we have seen them repeatedly. Our insurance attorneys in Fresno are here to provide you with the support, guidance, and legal expertise you need to navigate the complexities of insurance law and fight for a fair outcome.
Whether you are grappling with a denied claim, struggling to understand the terms of your policy, or feeling overwhelmed by the claims process, we are here to help. With our dedication, experience, and personalized approach, we strive to make the legal journey smoother and less stressful for you. We are well-versed in long-term disability claims, life insurance claims, and long-term care claims.
Do not let insurance company tactics stand in the way of the benefits you are owed. Contact the Fresno insurance lawyers at Kantor & Kantor today at 818-886-2525 to schedule a free consultation and take the first step toward securing the protection and peace of mind you deserve.
We offer a free case evaluation to discuss how our insurance attorneys in Fresno can assist you. Contact us now at 818-886-2525 for a free consultation.
Common Tactics Insurance Companies Use to Reduce Claims
When you are dealing with an insurance claim, it can often feel like the odds are stacked against you. Insurance companies, while seemingly supportive in their advertisements, can become formidable opponents when it is time to pay out a claim. Here are some common tactics to be aware of:
Denial of Claims
One of the most straightforward tactics is outright denial. Insurance companies often find small discrepancies or technicalities to justify not paying out a claim.
Requiring Unnecessary Documentation
Another common strategy is to ask for an overwhelming amount of documentation, some of which may not even be directly relevant to the claim. This can be exhausting and confusing, deterring many from pursuing their claims fully.
Misinterpreting the Insurance Policy
Sometimes, the language in insurance policies is used against policyholders. Insurers might interpret the wording in ways that minimize their responsibility to pay.
Surveillance and Privacy Invasion
Some insurers use surveillance to undermine your claim. They might watch you to see if your actions match your reported injuries.
Why Are Insurance Claims Denied?
Dealing with insurance claims can feel like a tug of war. Often, you do everything right, yet your claim still gets denied. Here is why this might happen:
- Missing Information: One of the most common reasons for denial is missing information. Insurance companies require specific documents and details to process a claim. If you leave something out, even by mistake, your claim might get denied.
- Pre-existing Conditions: Insurance companies often deny claims based on pre-existing conditions. They might argue that your illness or injury existed before your coverage started. This is a frequent issue with health and disability insurance claims.
- Policy Exclusions: Every insurance policy has exclusions – specific conditions or situations that are not covered. For example, some health insurance policies do not cover certain treatments. If your claim falls into one of these exclusions, it can be denied.
- Administrative Errors: Sometimes, claims get denied due to simple administrative errors. A typo, incorrect date, or misfiled document can lead to a denial.
- Failure to Meet Deadlines: Insurance companies have strict deadlines for filing claims and appeals. If you miss a deadline, even by a day, your claim can be denied.
- Fraud or Misrepresentation: If the insurance company believes you have provided false information or misrepresented facts, they can deny your claim. This is why it is essential to be honest and accurate in all your communications.
We are people helping people and allies in the fight for fair treatment and financial security.
Why Choose Kantor & Kantor?
As seasoned insurance attorneys serving Fresno, we bring a wealth of experience and a track record of success to every case we handle. Here is why clients choose us:
1. Specialization in Insurance Law
Insurance law is not just one area of our practice – it is our sole focus. This approach allows us to stay at the forefront of developments in insurance law, ensuring that our clients receive the highest quality representation tailored to the intricacies of their cases.
2. Proven Track Record of Success
Our Fresno Insurance lawyers have a long history of achieving successful outcomes for our clients in insurance disputes. Whether through negotiation, mediation, or litigation, we have secured favorable settlements and verdicts for individuals and families facing insurance-related challenges. Our track record of success speaks to our commitment to delivering results for our clients.
3. Comprehensive Legal Guidance
Insurance law encompasses many issues, from health and disability insurance to life and long-term care insurance. Our depth of knowledge and extensive experience in this complex field enable us to handle even the most challenging cases. Our legal team will work tirelessly to analyze your situation, assess your options, and develop a strategic plan tailored to your unique needs and objectives.
4. Client-Centered Approach
We recognize that every case is unique and are committed to providing individualized attention and compassionate support to each client we serve. When you choose Kantor & Kantor, you can trust that we will take the time to listen to your concerns, answer your questions, and keep you informed at every stage of the legal process. We aim to empower you with the knowledge and resources you need to make informed decisions about your case.
How We Can Help
We know that dealing with insurance issues can be one of the most stressful and confusing experiences. That is why we are here to take the burden off your shoulders. Our approach is all about making the process as smooth and supportive as possible for you. Here is how we can help:
1. We will Hear Your Story
The first step in handling your insurance case is listening to your story. We want to understand what you are going through, how the insurance company’s actions have affected you, and what you hope to achieve. This is not just about gathering facts—it is about connecting with you on a personal level and showing you that we genuinely care about your well-being.
2. We Will Review Your Policy Thoroughly
Insurance policies can be incredibly complex and filled with confusing legal jargon. We will carefully review your policy to understand what coverage you have and what benefits you are entitled to. Our goal is to uncover any potential avenues for your claim and ensure that we have a solid understanding of your rights under the policy.
3. We Will Gather Strong Evidence
To build a compelling case, we need strong evidence. We will help you gather all the necessary documentation, such as medical records, expert opinions, and any other relevant information. Our team knows what evidence is most persuasive and how to present it in the best possible light.
4. We Will Build a Strong Case
With the evidence in hand, we will craft a compelling case to present to the insurance company. Our team knows the tactics insurers use to delay or deny claims, and we are prepared to counter them with facts and a clear narrative. We will highlight the critical points and make a strong argument for why your claim should be approved.
5. We Will Negotiate on Your Behalf
Our experienced lawyers will handle all communications with the insurance company, advocating on your behalf. We aim to resolve your case through negotiation, securing the benefits you deserve without the need for prolonged disputes.
6. We Will Take Legal Action if Necessary
If the insurance company continues to deny your rightful claim, we are prepared to take legal action. Our team has extensive experience in insurance litigation and will represent you in court if needed. We are committed to fighting for your rights and ensuring that justice is served.
Contact an Insurance Attorney in Fresno Today
When it comes to insurance matters, having the right legal representation can make all the difference. Our insurance lawyers in Fresno are dedicated to fighting for the rights of individuals and families facing insurance-related challenges. Our experience fighting insurance companies covers a multitude of specialties, such as Long Term Disability, Health Insurance, and Life insurance Disputes governed by both ERISA and state law.
Do not let insurance companies take advantage of you or deny you the benefits you are entitled to under your policy.
Contact Kantor & Kantor today at 818-886-2525 to schedule a consultation. We are people helping people, and you can have confidence knowing that your case is in capable hands.
Attorney Glenn R. Kantor
Glenn Kantor is a founding partner of Kantor & Kantor LLP. As a young attorney, Glenn saw the injustice of wrongful insurance denials and created a law firm to represent individuals seeking to obtain their rightful benefits. Glenn is committed to ensure that clients receive the benefits they are entitled to under their insurance policies or group health plans. [Attorney Bio]
